About Us

About Founder

I started full time work when I was 19 in the call center.. Doing my graduation (full-time) course in the morning & was working in the Night. Although I was Hired for 12K (in 2001) there was never a month that I took less than 18K because of incentives & shift allowance. So can imagine the kind of arrogance that comes along when a 20 year kid makes more money than his lecturers, got his cards with his name printed on his cards & cheque books etc. Cutting the long story short after about a 8 months, I start investing for the first time not because I was serious about my finances but JUST TO SAVE TAXES. I took advice from a college friend who was a life insurance advisor over the weekends. I thought, he would know more about money just because he was a ‘ Life- Insurance’ advisor . Like most Indians ignorant about their finances I too didn’t care to know what this instrument was, where was my money getting invested, was it even catering to a financial goal. All I was bothered was to know If i was getting tax benefits or not.

Our Founder

Sharath Mascarenhas

Our Founder

Sharath Mascarenhas

After about 16 months for some reason I decide to how were my investments doing & boy was I surprised. To see the amount that went in charges was shocking to say the least. I was quick to share this with my mother about what happened & distinctly remember my mother mentioning that was pretty much the same case with most people investing in Life Insurance plans. After a couple of weeks, I come across this book, Rich Dad Poor Dad by Robert Kiyosaki. Of the many remarkable & thought provoking statements made in this book, one it mentions that the rich make money work for them & poor people work for money. Huh!! Surprising right, this is what got me thinking, there’s something that isn’t correct with whatever was told to me at home or at school about money. He talks about the ways how you can create wealth for yourself by going into business & the advantages & challenges you must be prepared for. Just going through the contents got me reading this book. By the way just to let you know the impact this book has done to me, Before reading this book, I hated reading & anything to do with money. I used to believe that money was the root cause of all evil. So that answers whether you should read this or not

He has also authored an e-book on the nonfactual information life insurance companies give and on how most Indians lose money investing in life insurance

Since I lost a quite some money investing in first attempt I decided to get into business for myself. I decided to become a financial advisor with one clear goal. I’ll only sell instruments that makes money for customers.For lack of experience & opportunites, I became an IRDA certified Insurance agent. So now, I’m attending ful time college in the mornings, in the evenings I’m doing a full time job & on the weekends I working on my part time business. Because of my excellent training on service skills & telephone ettiqutte it wasn’t very difficult getting appointments from cold calls. My first month earning was approximately 46,000/- Would you believe that 46,000/ -??? for a 23 year old kid with almost zero commitments. And that excluding the salary. With that kind of money coming in what do you think is going through my head. You guessed it, if I can 46,000/- with a few calls over the weekend, when compared to the money I’m making spending so many hours at my job, does it even make sense continuing my full time job? A few quarters go by, while I serving my notice period, I see this ad in the paper, for a 2bhk apartment. And guess what it comes just within the EMI that I can afford. Here’s where the arrogance of a 24 year old Kid who’s making good amounts of money to take the plunge of owning a property, kicks in - just because I could afford the EMI - NOT the apartment.

You must be thinking, wow! what an accomplishment right. Wrong. Little did i know that, there could be reduction in loan eligibility because you work in the call center industry, there could be an increase in the interest rates, there’s money to be paid underneath the table for the so called officials, there’s a difference between pre EMI & EMI & the impact it has to your overall tenure & more. And what happens when you need to pay up & you don’t have the money. No prizes for guessing - That’s right personal loans. So here I’m from being ZERO in debt to getting into 2 personal loans & a home loan in just about 10 months. Then one day, on a call with a smart prospect, this guy asks me a simple but profound question. Tell me sharath, if you really think insurance is such an excellent product, why do you think there are other products like mutual funds & stocks. Wow! I must admit, I had no clue about they were & neither how they worked. Needless to say, I started researching & in just a few months I became an AMFI certified Mutual fund Distributor. After seeing the benefits & conveniences that a mutual fund offers I was all out recommending Mutual fund to my investors. That’s right no more insurance. And it doesn’t stop there. I get to hear that there’s some decent money one could make from the stock markets as well. This is in the year 2006 where even a college kid with some basic understanding could pick winning stocks. Needless to say, life is just smooth, loans being serviced, money coming in, money being invested on new projects & then 2008 happens. I’m sure if you lived through that phase, you’d know what i’m talking about. Markets collapsing, People losing their capital invested, loss of variable pay & in some cases loss of Jobs. The were a few portfolios of my customers that invested in Mutual Funds that dropped as much as 63%. Being in shock was an understatement. How could people lose this much after investing in Mutual Funds. After all mutual funds as an instrument was least expensive, offered high flexibility, were professionally managed, reasonably diversified. Then what caused this huge losses? That’s when, after about 6 months of researching & exploring about Financial Planning, Ferdinand Wealth Management was born. As a company we started taking on new customers only if they were willing absolutely serious about taking charge of their financial future & undergo a financial plan. I don’t say all this to impress you but impress on you that just earning more money doesn’t solve money problem. In most cases more money, worsens money problems. Unlike most bankers or part-time advisors, or salesmen who in most cases wouldn’t have an investment plan for them selves, I’ve made these common financial blunders & learn from them, so you don’t need to go through the nuances & pain that I’d been through.

Just like you can’t ask someone else to do your push ups, you can’t expect someone else to manage your finances. Getting a monthly budget in place, Being adequately isured, having a well thought plan & being in charge of your personal finances is what guarantees a secure financial future.

Why FWM

Been there, done that (I've made those mistakes personally & gotten over it) & now practices healthy financial habits (budgeting , planning, alternate sources of income etc) & not JUST PREACH.

FWM was incorporated keeping Financial Literacy in mind: That means you would never be sold/recommended anything without understanding the working of an instrument & the importance of this instrument in your financial plan.

The focus is to Increase your SAVINGS. This means you can 360 degree approach of addressing your finances, avoiding you the headache of having to meet/interact with multiple vendors.

The whole process is simplified & automated such that you do not have spend hours in needless monitoring & services issues that come about while investing.

We like to work with only people who are absolutely serious about their finances - IRRESPECTIVE of how much they would or can invest for that matter.

High on integrity & value - don't take our word for it , see what our customer have to say about us.

The decision is always in your hands, be it the products you like to invest in, the companies or people you liked to buy them from ensuring the plans worker out for you are with no ulterior motive.

Been in business for over 5 years & not once have we forced any of customers into buying any product at all - No cheezy sales tactic.

We work along with you & not for you - This means we work together to achieve your financial goals as a TEAM

About 81% of our business comes in from referrals. The rest from the seminars we conduct at companies & apartments.

Written on ebook on how most indians lose money after investing in life insurance.An attempt to spread enlighten the masses about the lies told by the insurance companies!

Can We Work Together?

Customers are the backbone of Ferdinand Wealth’s financial education and finance-related services. Services on a platter of professionalism and the respect to clients are among the key drivers of our business. As we leverage our extensive experience in the finance sector to enable clients fulfill their financial aspirations, we do expect our clients help us help them through their steadfast cooperation and commitment.

Here are the traits we look for in our customers:

Financial Improvement should be your Goal:Making our clients reach their financial posts is what makes us happy, and not reaching sales quotas. Please contact us only if your objective is changing your financial status for the better.

Be Ready to Work as a Team:To grow your wealth you should have a strong resolve to step in sync with us, as we guide you toward your financial goals.

Bind with Mutual RespectWe consult with you in an unbiased way and we are honest to the core in our recommendations. Our finance experts will work with you, finding ways to scale your savings higher. We expect you also to be a client who makes room for a win-win situation.

Value the TimeYour time and our time are precious. Please give considerable thought to the time and day you choose for the appointment. If you postpone or cancel it, our other schedules can be disturbed.

Be an Active ParticipantHow much we can help you to achieve your financial desires is dependent on your time and effort for your financial improvement. The more your commitment, the more will be our interest and action to serve you.

Ferdinand Wealth looks forward to welcoming you to its fold and offering you its expertise for making your financial health robust. Let us work as a team and drive on the road to mutual success.

Benefit to Employers

"The employer gains $3.00 in value for every $1.00 spent on a comprehensive financial education program for workers" – Dr. E Thomas Garman

Improved Productivity

Giving employees access to financial education will help them overcome financial stress thus helping them concentrate better at work and add more value to the organization. Better productivity directly implies better bottom-line growth.

Reduce attrition

Financial education can help your employees understand that little extra money alone cannot improve financial well-being. Once they realize this there will be lesser inclination to change jobs and also reduced pressure on your HR function for salary hikes.

Cut HR & Admin costs

If your employees are well informed about financial decisions there will be lesser queries to the HR/Personnel/Accounts department for help on issues related to Taxation, Pay scale benefits etc. Thus these departments can focus better on their core activities.

Higher employee morale

Improved financial health produces greater concentration, creativity, more positive outlook towards life. As employees gain control of their financial life they become more competent on the job. Thus improving overall employee morale.

Benefit to Employees

"As human beings, our perceptions of ourselves and our place in the world are important to workplace performance."

Mission

To be a trusted and preferred name in the financial advisory and wealth management space, by offering high quality investment solutions and providing outstanding service, without compromising on our principles.

To have a ‘financially’ literate society by making the process of investing simpler and more understandable to the masses. To help our customers realize their investment goals through practical and sensible advice, well focused financial plans and strong financial discipline.